Self-Employed Treatment Policy - The Co-operative Insurance

2. theft of any visa and/or passport within 7 days prior to the proposed
departure date of an Insured Person We will indemnify You on behalf
of the Insured Person for any additional accommodation and/or travel
expenses necessarily incurred prior to the proposed departure date
by the Insured Person or nominated representative in travelling to
and obtaining replacement documents at the nearest issuing office
from which a replacement can be obtained subject to a maximum of
£250 of any claim.
Exclusions
1. We will not pay for the first £25 of each
2. We will not be liable for any claim resulting from:
(a)
(b)
delay confiscation errors or omissions in receipts or payment or
accountancy or depreciation in value
loss which is not reported to the local police or appropriate
authorities within 24 hours of its discovery and a written report
obtained (in the case of an airline the Insured Person will need
to obtain a property irregularity report).
Contingency E - Cancellation, Curtailment Or
Change Of Itinerary
In the event of the necessary and unavoidable cancellation curtailment or
change of itinerary of an Insured Journey following:
1. the death or Accidental Bodily Injury or sickness of:
(a)
(b)
the Insured Person or business colleague (with whom the
Insured Person intended to travel) or business contact for the
purpose of the Insured Journey
the Insured Person’s legal or common law spouse-partner,
daughter, son, sister, brother, mother, father, mother-in-law,
father-in-law, grandparent, grandchild, daughter-in-law,
son-in-law, sister-in-law, brother-in-law, step-parent, step-child,
step-brother, step-sister, fiancé, or fiancée
or
2. as the result of:
(a)
(b)
(c)
the death of a close friend of the Insured Person
the Insured Person attending compulsory quarantine, witness
call or jury service
the Insured Person’s place of residence being subject to
physical loss or damage within 10 days of the proposed
commencement of the Insured Journey and the Insured Person
being unable to adequately secure such premises prior to the
commencement of such Insured Journey
(d)
(e)
the Insured Person’s presence being required by the police
following physical loss or damage or theft or attempted theft at
the Insured Person’s place of residence or place of employment
cancellation or curtailment of scheduled public transport
services consequent upon strike riot civil commotion inclement
weather or mechanical breakdown
We will reimburse You or the Insured Person in respect of all
non-recoverable deposits advance payments and other charges
paid or due to be paid by You or the Insured Person for travel and/or
accommodation in respect of the proposed Insured Journey up to £2,000
any one claim.
Exclusions
We will not be liable for any claim resulting from:
(a)
(b)
(c)
(d)
the Insured Person or the Insured Person’s business colleague on the
Insured Journey travelling against or planning to travel against the
medical advice of a registered medical practitioner
in respect of any circumstances under 1(b) above any medical
condition from which the relevant person is known by the Insured
Person to be suffering at the commencement of the Insured Journey
or if earlier the date of cancellation or date of curtailment or change
of itinerary. This exclusion shall not apply if such condition has been
without the necessity of professional treatment or consultation in the
12 months immediately prior to such date
the death or Accidental Bodily Injury or sickness of any person aged
over 75 years
childbirth or pregnancy where the cancellation curtailment or change
of itinerary occurs within 2 months of the most recently advised
expected date of confinement.
Contingency F - Travel Delay And Missed
Departure
Travel Delay
If the outward or homeward departure of an aircraft or sea vessel in which
the Insured Person has arranged to travel is delayed for at least 12 hours
from the departure time indicated by the carrier due to strike industrial
action adverse weather conditions mechanical breakdown or structural
defect affecting that aircraft or sea vessel, We will compensate You by the
amount of £20 for the first complete 12 hours delay and £50 for each
complete 12 hours delay thereafter but not exceeding the amount paid in
respect of fares for such delayed travel or £500 whichever is the lesser.
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